Bond Payments

If your parents are paying off a bond for a home and , due to the bank requirements they have to take out an insurance policy to cover the value of the bond, upon the death of your parents the house debt is totally settled with the insurance money and you then receive your share i.t.o of sharia of the house which is now paid up
Is it permissible to take this inheritance of the house that is settled with insurance money?

What happens if there is additional money left over from this insurance policy , is it permissible at all to take any part of this inheritance regarding the additional money left over?